TERMS OF SERVICE

UPDATED AND EFFECTIVE AS OF October 12, 2024

Informed Choice ("Informed Choice " or "us" or "we" or "our") owns and operates GetQuotes.net (Site). The following Terms of Service/Terms of Use/Legal Notice/Agreement ("TOS") govern your use of the Site. Other sites or content owned or controlled by Informed Choice may have their own terms of use and should be reviewed.

By using the Site, including but not limited to, setting up a Site account or purchasing any products or services through the Site, you agree to be bound by these TOS. Use of the Site is offered to you conditioned on your acceptance without modification of the terms, conditions, and notices. If you do not agree to be so bound, you are not authorized to use the Site. These TOS are a legal contract between you and Informed Choice and govern your access to and use of the Site together with any services offered through the Site. If you are using the Site on behalf of a business entity, you represent that you have the authority to bind the entity to this Agreement. Your rights to use the Site are limited by applicable federal, state, and local laws and regulations.

The Site is intended for adults 18 years of age or older. By accessing the Site, you represent that you are 18 years of age or older.

In accordance with 47 U.S.C.§ 230, parents should be aware that there are parental control protections (such as computer hardware, software, or filtering services) that are commercially available that may assist them in limiting access to material that is harmful to minors. Examples of some of these protection services include Net Nanny https://www.netnanny.com Informed Choice in no way endorses or is responsible for these services.

By accepting these TOS and using the Site, you consent to receive electronically all communications or notices sent by Informed Choice with regard to the Site and these TOS to any email address you provide to us. It is your responsibility to update your contact information provided to Informed Choice. In order to receive electronic communications, you must have a working connection to the internet and meet any specifications required by your email service provider. Informed Choice may send communications in a non-electronic format in Informed Choice's discretion.

GETQUOTES.NET

Information contained on the Site is provided for informational purposes only. You agree that you will only use the Site for its intended purposes, and not for other commercial ventures without first seeking approval from Informed Choice.

By using the Site, you may need to interact with other Site users. You are solely responsible for any such interaction and agree to do so in a manner that is legal, respectable, and consistent with these TOS. Informed Choice is not responsible for the conduct of any other user who may interact with you, regardless of whether or not it is done through the Site.

Any and all Site services and products are subject to availability. While Informed Choice will try its best to make the Site content useful, Informed Choice does not warrant that any Site content will be useful or reliable. Informed Choice does not offer legal or financial advice through the Site. Nothing in these TOS nor on the Site is to be interpreted as legal or financial advice or guidance.

EVERY EFFORT HAS BEEN MADE TO ACCURATELY REPRESENT THE SITE SERVICES AND PRODUCTS. EXAMPLES AND TESTIMONIALS ON THE SITE ARE NOT TO BE INTERPRETED AS PROMISES OR GUARANTEES OF RESULTS.

RESULTS WILL VARY PER USER/PERSON. Your level of success in attaining the results claimed in our materials depends on a number of factors. THESE FACTORS VARY ACCORDING TO USERS, AND THEREFORE, INFORMED CHOICE, CANNOT GUARANTEE YOUR RESULTS.

LICENSE

Informed Choice hereby grants you a revocable and non-exclusive right and license to use and access the Site (including any underlying software) in a manner that is consistent with the other terms in these TOS and the Site’s intended purposes. Informed Choice reserves the right to terminate this License for any or no reason and at any time without notice to you, including, but not limited to, for breach of any term contained in these TOS. Use of the Site by competitors is not authorized without express, written permission from us in advance of such access.

You may not use any Site content to establish any independent data files, databases, compendiums, or any other reference materials.

TOS CHANGES

Informed Choice reserves the right to modify these TOS at any time without prior notice. We will not notify you of any such modifications by email or other personal contact, but we reserve the right to do so in our sole discretion. You should visit the Site from time to time to review the current TOS. By using the Site subsequent to any modification of these TOS, you agree to be bound by such modification(s).

Informed Choice does not represent that any of the Site content is completely accurate, and therefore any reliance on the Site is done at your own risk.

INTELLECTUAL AND OTHER PROPERTY

Other than the exceptions referenced in these TOS or noted elsewhere, the major exception being user-generated content ("User Content") uploaded/posted by Site users which remains the property of the users, and trademarks of persons or entities other than Informed Choice, which remain the property of such persons or entities, all other content on the Site is the property of Informed Choice including, but not limited to, all marks, logos, names, text, data, documents, messages, pictures, images, video, audio, graphics, links, software and its underlying code, domain name, or other electronic files (referred hereafter as "Informed Choice Content").

Certain elements of the Site, including but not limited to, text, graphics, photos, images, video, audio, color selections, and organization and layout, are copyright protected under United States and international copyright laws. Any Informed Choice Content protected by intellectual property laws may not be copied, republished, posted, modified, edited, transmitted, distributed, used to create derivative works of, or reverse engineered without permission, except that you may print out one copy of each Site page solely for non‑commercial personal or educational use. No right, title, or interest in any Informed Choice Content is transferred to you as a result of you accessing, downloading, or printing such content from the Site. Any use of Informed Choice Content must display the appropriate copyright, trademark, and other proprietary notices.

You alone own and are solely responsible for all User Content you post, upload, or otherwise transmit (collectively "Post") through the Site and once Posted, it cannot always be withdrawn. You agree not to Post through the Site any User Content which is false, defamatory, infringes upon another party's intellectual property, or is otherwise illegal. By Posting User Content on the Site, you warrant and represent that you have the right to post such information and that such information is truthful and accurate.

The other provisions of these TOS notwithstanding, with respect to any regulated personal data that makes up the whole or a part of User Content Posted or otherwise transmitted by you to Informed Choice, the following conditions shall apply: (i) any licenses or intellectual property rights granted by you to Informed Choice under these TOS shall be in the form of a revocable, royalty-free, worldwide, non-exclusive license to use, store, copy, perform, display, and distribute such User Content in accordance with the Informed Choice's Privacy Policy, for the purposes of operating the Site, or otherwise in accordance with the purpose for which you transmit the regulated personal data to us (each such grant, a "Limited License"), (ii) by posting you represent and warrant that you have the right to grant such Limited License(s).

Informed Choice reserves the right to modify these TOS at any time without prior notice. We will not notify you of any such modifications by email or other personal contact, but we reserve the right to do so in our sole discretion. You should visit the Site from time to time to review the current TOS. By using the Site subsequent to any modification of these TOS, you agree to be bound by such modification(s).

Subject to the above limitation, by Posting User Content, you automatically grant, and warrant and represent that you have the right to grant, Informed Choice a perpetual, irrevocable, royalty-free, worldwide, non-exclusive, assignable, sublicensable, transferable license to use, copy, perform, display, and distribute such User Content for any purpose and to prepare derivative works of, or incorporate into other works, such User Content.

You assume all risks associated with your Posted User Content on the Site, including anyone's reliance on its quality or reliability. By Posting User Content you may expose yourself to liability if, for example, your Posted User Content contains material that is false, intentionally misleading, or defamatory; violates any third-party right, including any copyright, trademark, patent, trade secret, moral right, privacy right, right of publicity, or any other intellectual property or proprietary right; contains material that is unlawful, including illegal hate speech or pornography; exploits or otherwise harms minors; or violates or advocates the violation of any law or regulation.

If you Post or otherwise transmit to Informed Choice a testimonial statement and/or photographs depicting your results using any Informed Choice product, you grant, and warrant and represent that you have the right to grant, Informed Choice a perpetual, irrevocable, royalty-free, worldwide, non-exclusive, assignable, sublicensable, transferable license to use, copy, perform, display, and distribute the testimonial statement and/or photograph for any purpose, including posting on the Services or using in any Informed Choice advertising materials.

By Posting or sending any testimonials or photographs of your results, you represent that the testimonial statement is true, that you used the Informed Choice product as directed, and that the photographs and testimonial accurately depict your experience using the Informed Choice product.

If you no longer wish Informed Choice to use your written testimonial statement, please contact us. If we do not hear from you, we will assume you still stand behind your testimonial statement.

If you received any kind of compensation, whether monetary, in the form of a free product, or otherwise, you must notify us of this fact when posting or sending your testimonial.

As provided in 47 U.S.C. § 230(c)(1), Informed Choice is only a distributor, and not the publisher or speaker, of any User Content. As such, Informed Choice cannot be held liable for making available any User Content which may be false or inaccurate. Any information or opinions contained in the User Content made available on the Site are those of their respective authors alone. Informed Choice does not guarantee the accuracy, completeness, or truthfulness of any User Content. Under no circumstances will Informed Choice be responsible for any loss or damage resulting from any person's reliance on any User Content.

Subject to the Section titled "Copyright Infringement Notification" below, regarding the DMCA, and subject to applicable law, Informed Choice reserves the right to remove or not remove any User Content from the Site for any reason or no reason at all, in Informed Choice's sole discretion. This reservation includes the exclusive right to decide whether to publish, withdraw, postpone, or alter any User Content. Informed Choice reserves the right, but does not undertake any affirmative obligation, to screen, monitor, or filter User Content.

Informed Choice reserves the right, in its sole discretion, to determine whether and how long to store User Content and user data in accordance with its Privacy Policy. Informed Choice will not be responsible for any liability related to the deletion or removal or any data or content maintained on the Website or Informed Choice's servers.

SUGGESTIONS

By sending us any ideas, suggestions, documents or proposals ("Feedback"), you agree that (i) your Feedback does not contain the confidential or proprietary information of third parties, (ii) we are under no obligation of confidentiality, express or implied, with respect to the Feedback, (iii) we may have something similar to the Feedback already under consideration or in development, and (iv) you grant us an irrevocable, non-exclusive, royalty-free, perpetual, worldwide license to use, modify, prepare derivative works, publish, distribute and sublicense the Feedback, and you irrevocably waive, and cause to be waived, against Informed Choice and its users any claims and assertions of any rights, whether intellectual property rights or otherwise, contained in such Feedback.

You acknowledge that you have no right, title, or interest in or to the Site and/or Informed Choice Content.

Informed Choice is a mark of Informed Choice. Other marks, names, and logos on the Site are the property of their respective owners.

There may be other content located on the Site not owned by Informed Choice, and you should respect those property rights as well. All rights not expressly granted herein are reserved to Informed Choice.

COPYRIGHT INFRINGEMENT NOTIFICATION

If you believe that any content on the Site infringes your copyright and you want the content removed from the Site, may notify Informed Choice's in accordance with Title 17, United States Code, Section 512(c)(2), by providing the following information:

  • A physical or electronic signature of a person authorized to act on behalf of the owner of an exclusive right that is allegedly infringed.
  • Identification of the copyrighted work claimed to have been infringed, or, if multiple works at a single online site are covered by a single notification, a representative list of such works at that site.
  • Identification of the material that is claimed to be infringing or to be the subject of infringing activity and that is to be removed or access to which is to be disabled and information reasonably sufficient to permit Informed Choice to locate the material.
  • Information reasonably sufficient to permit Informed Choice to contact you as the complaining party, such as an address, telephone number, and, if available, an electronic mail address at which the complaining party may be contacted.
  • A statement that the complaining party has a good faith belief that use of the material in the manner complained of is not authorized by the copyright owner, its agent, or the law.
  • Your name, address, and telephone number, and a statement that you consent to the jurisdiction of Federal District Court for the judicial district in which the address is located, or if the your address is outside of the United States, for any judicial district in which Informed Choice may be found, and that you will accept service of process from the person who provided the notification of claimed infringement or an agent of such person.

Notifications of claimed infringement: GetQuotes.net, 2803 Philadelphia Pike, Suite B #465, Claymont, DE 19703 or [email protected]

Alternate the public may use to search for our designated agent include: GetQuotes.net and Informed Choice.

After receiving a valid DMCA notification of claimed infringement, we will process and investigate the claim and will take appropriate actions under the DMCA, including expeditiously removing or disabling access to any material claimed to be infringing or claimed to be the subject of infringing activity. We will take reasonable steps promptly to notify the user who submitted the material that we have removed or disabled access to such material.

COUNTER NOTIFICATION

If you posted or submitted material to Informed Choice which Informed Choice removed or disabled access to pursuant to a DMCA notification of claimed infringement, and you believe your material is not infringing and the material was removed or disabled as a result of a mistake or misidentification, you may send a counter-notification containing the following information in writing to Informed Choice's designated agent listed above:

  • Your physical or electronic signature;
  • Identification of the material that has been removed or to which access has been disabled and the location at which the material appeared before it was removed or access to it was disabled;
  • A statement under penalty of perjury that the you have a good faith belief that the material was removed or disabled as a result of mistake or misidentification of the material to be removed or disabled. and
  • Your name, address, and telephone number, and a statement that you consent to the jurisdiction of Federal District Court for the judicial district in which the address is located, or if the your address is outside of the United States, for any judicial district in which Informed Choice may be found, and that you will accept service of process from the person who provided the notification of claimed infringement or an agent of such person.

If a valid counter-notification is received by our designated agent, we will send a copy of the counter-notification to the original complaining party informing that person that we will replace the removed material or cease disabling access to it in 10 business days. Unless our designated agent first receives notice from the original complaining party that such party has filed an action seeking a court order to restrain the alleged infringement, we will replace or restore access to the material in 10 to 14 business days after our designated agent's receipt of the counter-notification, at our sole discretion.

Informed Choice reserves the right, in its sole discretion, to terminate accounts for users that are deemed to be repeat copyright infringers.

THIRD PARTY ADVERTISEMENTS, LINKS TO THIRD PARTY SITES, AND OTHER SITE INTERACTION

The Site may feature advertisements from third parties not affiliated with Informed Choice. The presence of any third party advertisements in no way implies: (1) any relationship or association between the advertisers and Informed Choice; or (2) that Informed Choice endorses or recommends the advertised companies, goods, and/or services. Informed Choice is not liable or responsible for any harm or damages you may suffer if your purchase or use any advertised goods or services. You purchase or use any advertised goods or services at your risk. If any of the advertisements contain links to third party sites, please continue reading the language in this section about external links.

The Site may contain links to external sites not controlled and/or affiliated with Informed Choice. If you use these links, you will leave the Site. Informed Choice provides these links to you only as a convenience. Informed Choice is not responsible for the content at the linked sites, including, without limitation, links displayed on such sites. You access any linked sites at your own risk.

The display of links is not meant to imply that Informed Choice guarantees, approves, recommends, or endorses the linked sites or any information, content and/or products/services available on those linked sites. The links are not meant to indicate any association with Informed Choice. Informed Choice is not responsible or liable for any linked site nor does Informed Choice warrant that the linked sites or any goods, services, or information on the sites are current, accurate, or error-free. If you access the linked sites, you will be subject to the terms of use, privacy, and other policies applicable to those sites.

Informed Choice may also allow interaction between the Site and other third party sites such as Twitter and other social media sites. This may include "Like" buttons or other interactions through third party buttons or plugins on the Site that when used, may allow you to share content from the Site or other content with other persons on or through the third party sites or elsewhere. Please consult the privacy policies of these third party sites before using them to make sure you are comfortable with the level of sharing. Informed Choice has no control over these third party sites and you use these interaction functions at your own risk. Informed Choice is in no way liable for any harm to you as a result of using one of these interaction functions.

The Site may use or provide access to one or more third-parties to process payments, process account or user registrations, or provide other services. The use of such third-party services are subject to the third-party's terms of service. Any disputes arising regarding a third-party's services must be resolved directly between user and the third-party. Informed Choice disclaims all warranties or representations regarding any third-party services.

Informed Choice, in its sole discretion, and without notice to you, may subcontract any services to be performed by a third-party.

OTHER PROHIBITED CONDUCT

In connection with your access and/or use of the Site or any Site services, you agree not to:

  • Violate any federal, state, or local laws or regulations.
  • Upload/post anything that imposes an unreasonable or disproportionately large strain on Informed Choice's network or computer infrastructure.
  • Engage in any behavior that is designed to hack into or gain unauthorized access to protected areas of the Site and/or Informed Choice's computers, servers or networks, and/or any computers or systems used by other users of the Site.
  • Upload/post anything that could destroy, damage, or impair any portion of the Site or any computers, systems, hardware, or software used by Informed Choice or other users.
  • Make unauthorized attempts to modify any information stored on the Site.
  • Make attempts to defeat or circumvent security features, or to utilize the Site for any other purpose other than its intended purposes.
  • Discuss, incite, or promote illegal activity.
  • Upload/post any unsolicited or unauthorized advertising, promotional materials, spam emails, chain letters, pyramid schemes, or any other form of such solicitations.
  • Use any automated technology such as a robot, spider, or scraper to access, scrape, or data mine the Site.
  • Use the Site to send spam or unsolicited bulk email.
  • Provide false or misleading information when signing up for a Site account or otherwise upload/post any false or misleading information or content through the Site.
  • Engage in any behavior that causes us to lose (in whole or in part) the services of our ISPs or other suppliers.
  • Use any information regarding other Site users that is accessible on the Site, disclosed to you by other Site users, or disclosed to you by Informed Choice, except to enter into and complete official transactions through the Site.
  • Use any information regarding other Site users that is accessible on the Site, disclosed to you by other Site users, or disclosed to you by Informed Choice for purposes of solicitation, advertisement, initiation of unsolicited e-mail or spam, harassment, invasion of privacy, or for otherwise objectionable conduct.
  • Purchase any products or services through the Site which are prohibited in your jurisdiction.

The previous list of prohibitions is not exclusive. Informed Choice reserves the right to terminate your access to the Site or any Site services for any reason.

By accepting these TOS, you waive and hold harmless Informed Choice from any claims resulting from any action taken by Informed Choice during or as a result of Informed Choice's investigation and/or from any actions taken as a consequence of investigations by either Informed Choice or law enforcement related to your use of the Site.

OTHER PROHIBITED CONDUCT

You agree to indemnify, defend and hold harmless Informed Choice, including its officers, directors, employees, affiliates, agents, licensors, representatives, suppliers, contractors, attorneys, and business partners ("Indemnified Parties"), from and against any and all claims, demands, losses, costs, damages, liabilities, judgments, awards, and expenses (including attorneys's fees, costs of defense, and direct, indirect, punitive, special, individual, consequential, or exemplary damages) Informed Choice or any of the Indemnified Parties suffer in relation to, arising from, or for the purpose of avoiding, any claim or demand from a third party that relates to your use of the Site and/or any Site goods or services, your breach of these TOS, the use of the Site by any person using your password, or any violation of an applicable law or regulation by you. Your indemnification obligation shall survive the termination of these TOS.

TO THE EXTENT ALLOWED UNDER THE LAW, IF A DISPUTE ARISES BETWEEN ONE OR MORE SITE USERS, EACH OF YOU RELEASE INFORMED CHOICE, OUR OFFICERS, DIRECTORS, AGENTS, EMPLOYEES, CONTRACTORS AND SUPPLIERS FROM CLAIMS, DEMANDS AND DAMAGES (ACTUAL AND CONSEQUENTIAL) OF EVERY KIND AND NATURE, KNOWN AND UNKNOWN, SUSPECTED AND UNSUSPECTED, DISCLOSED AND UNDISCLOSED, ARISING OUT OF OR IN ANY WAY CONNECTED WITH SUCH DISPUTES. TO THE EXTENT ALLOWED UNDER THE LAW, YOU WAIVE THE PROTECTIONS AFFORDED BY CALIFORNIA CIVIL CODE § 1542, WHICH SAYS: "A GENERAL RELEASE DOES NOT EXTEND TO CLAIMS WHICH THE CREDITOR DOES NOT KNOW OR SUSPECT TO EXIST IN HIS [OR HER] FAVOR AT THE TIME OF EXECUTING THE RELEASE, WHICH IF KNOWN BY HIM [OR HER] MUST HAVE MATERIALLY AFFECTED HIS [OR HER] SETTLEMENT WITH THE DEBTOR." YOU ACKNOWLEDGE AND AGREE THAT THIS WAIVER IS AN ESSENTIAL AND MATERIAL TERM OF THIS AGREEMENT, AND THAT WITHOUT SUCH WAIVER, THIS AGREEMENT WOULD NOT HAVE BEEN ENTERED INTO BY INFORMED CHOICE.

DISCLAIMER OF WARRANTIES / LIMITATION OF LIABILITY

YOUR USE OF THE SITE AND ANY SITE PRODUCTS IS AT YOUR OWN RISK.

TO THE EXTENT ALLOWED UNDER THE LAW, INFORMED CHOICE AND/OR ITS AFFILIATES MAKE NO EXPRESS OR IMPLIED WARRANTIES, REPRESENTATIONS OR ENDORSEMENTS WHATSOEVER WITH RESPECT TO THE SITE OR ANY GOODS OR SERVICES OFFERED ON OR THROUGH THE SITE.

TO THE EXTENT ALLOWED UNDER THE LAW, INFORMED CHOICE AND/OR ITS AFFILIATES EXPRESSLY DISCLAIM ALL WARRANTIES OF ANY KIND, (EXPRESS, IMPLIED, STATUTORY, OR OTHERWISE), INCLUDING, BUT NOT LIMITED TO, IMPLIED WARRANTIES OF MERCHANTABILITY, SECURITY, COMPLETENESS, TIMELINESS, APPROPRIATENESS, ACCURACY, FITNESS FOR A PARTICULAR PURPOSE, FREEDOM FROM COMPUTER VIRUSES, TITLE, AND NON-INFRINGEMENT.

TO THE EXTENT ALLOWED UNDER THE LAW, INFORMED CHOICE AND/OR ITS AFFILIATES EXPRESSLY DISCLAIM ANY IMPLIED WARRANTY ARISING FROM COURSE OF DEALING OR USAGE OF TRADE AND DISCLAIM ANY OBLIGATION, LIABILITY, CLAIM OR REMEDY IN TORT, WHETHER OR NOT ARISING FROM THE NEGLIGENCE OF INFORMED CHOICE.

TO THE EXTENT ALLOWED UNDER THE LAW, THE DISCLAIMER OF WARRANTIES APPLIES TO THE SITE, ITS CONTENT, AND ANY GOODS OR SERVICES OFFERED ON OR THROUGH THE SITE. INFORMED CHOICE AND/OR ITS AFFILIATES DO NOT WARRANT THAT THE SITE FUNCTIONS OR CONTENT WILL BE UNINTERRUPTED, TIMELY, OR SECURE.

O THE EXTENT ALLOWED UNDER THE LAW, INFORMED CHOICE AND/OR ITS AFFILIATES DISCLAIM ANY LIABILITY FOR ANY DAMAGES WHATSOEVER INCURRED BY ANY SITE USER IN CONNECTION WITH THE USE OF ANY OTHER WEBSITE ACCESSED THROUGH THE SITE, AND DISCLAIMS ANY LIABILITY DERIVED FROM THE USE OF ANY LINKS THAT MAY APPEAR ON THE SITE.

TO THE EXTENT ALLOWED UNDER THE LAW, INFORMED CHOICE AND/OR ITS AFFILIATES DO NOT WARRANT THE ACCURACY OR COMPLETENESS OF THE SITE OR THAT SITE AND/OR ITS CONTENT WILL BE AVAILABLE AND/OR APPROPRIATE IN ALL AREAS. TO THE EXTENT ALLOWED UNDER THE LAW, INFORMED CHOICE AND/OR ITS AFFILIATES DO NOT WARRANT THAT THE SITE AND/OR CONTENT WILL BE ERROR-FREE, THAT ANY ERRORS ON THE SITE WILL BE CORRECTED, OR THAT THE SITE/SERVERS ARE FREE OF VIRUSES OR OTHER HARMFUL COMPONENTS.

TO THE EXTENT ALLOWED UNDER THE LAW, THE SITE AND RELATED CONTENT, INCLUDING ANY GOODS, SERVICES OR INFORMATION PROVIDED ON OR THROUGH THE SITE, ARE PROVIDED ON AN "AS IS" AND "AS AVAILABLE" BASIS AND, TO THE EXTENT ALLOWED UNDER THE LAW, WITHOUT WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED.

YOU ASSUME THE ENTIRE COST OF ALL NECESSARY REPAIRS IN THE EVENT YOU EXPERIENCE ANY LOSS OR DAMAGE ARISING FROM THE USE OF THE SITE OR ANY SITE GOODS OR SERVICES. TO THE EXTENT ALLOWED UNDER THE LAW, INFORMED CHOICE AND/OR ITS AFFILIATES MAKE NO WARRANTIES THAT YOUR USE OF THE SITE WILL NOT INFRINGE THE RIGHTS OF OTHERS AND ASSUMES NO LIABILITY FOR SUCH INFRINGEMENT.

TO THE EXTENT ALLOWED UNDER THE LAW, IN NO EVENT WILL INFORMED CHOICE OR ITS OFFICERS, DIRECTORS, EMPLOYEES, AFFILIATES, AGENTS, LICENSORS, REPRESENTATIVES, ATTORNEYS, AND/OR BUSINESS PARTNERS, NOR ANY PARTY INVOLVED IN THE CREATION, PRODUCTION OR TRANSMISSION OF THE SITE, BE LIABLE FOR ANY DAMAGES WHATSOEVER, INCLUDING, BUT NOT LIMITED TO, ANY DIRECT, INDIRECT, INCIDENTAL, CONSEQUENTIAL, SPECIAL, EXEMPLARY, PUNITIVE, ACTUAL, OR OTHER INDIRECT DAMAGES, INCLUDING LOSS OF REVENUE OR INCOME, LOST DATA, LOSS OF GOODWILL, BUSINESS INTERRUPTION, PAIN AND SUFFERING, EMOTIONAL DISTRESS, OR SIMILAR DAMAGES, EVEN IF INFORMED CHOICE A-ND/OR ANY OF THE AFOREMENTIONED PARTIES HAVE BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES, ARISING OUT OF: (1) THE USE OR INABILITY TO USE THE SITE OR ANY SITE GOODS OR SERVICES; (2) ANY TRANSACTION CONDUCTED THROUGH OR FACILITATED BY THE SITE; (3) ANY CLAIM ATTRIBUTABLE TO ERRORS, OMISSIONS, OR INACCURACIES ON THE SITE; AND/OR (4) ANY OTHER MATTER RELATING TO THE SITE, ANY GOOD OR SERVICE OFFERED ON OR THROUGH THE SITE, AND/OR ANY LINKS ON THE SITE.

TO THE EXTENT ALLOWED UNDER THE LAW, IN NO EVENT WILL THE COLLECTIVE LIABILITY OF INFORMED CHOICE OR ITS OFFICERS, DIRECTORS, EMPLOYEES, AFFILIATES, AGENTS, LICENSORS, REPRESENTATIVES, ATTORNEYS, AND/OR BUSINESS PARTNERS, OR ANY PARTY INVOLVED IN THE CREATION, PRODUCTION OR TRANSMISSION OF THE SITE, TO ANY PARTY, REGARDLESS OF THE TYPE OF ACTION WHETHER IN CONTRACT, TORT, OR OTHERWISE, EXCEED THE GREATER OF $100.00 OR THE AMOUNT YOU PAID TO INFORMED CHOICE AND/OR THE AFOREMENTIONED PARTIES FOR THE APPLICABLE GOOD OR SERVICE OUT OF WHICH THE LIABILITY AROSE.

IF YOU ARE DISSATISFIED WITH THESE TERMS OR THE SITE, YOUR SOLE AND EXCLUSIVE REMEDY IS TO DISCONTINUE USING THE SITE.

IF YOU ARE DISSATISFIED WITH ANY GOOD OR SERVICE OFFERED ON OR THROUGH THE SITE, TO THE EXTENT ALLOWED UNDER THE LAW, YOUR SOLE AND EXCLUSIVE REMEDY IS TO DISCONTINUE USING THE SITE.

ALL PROVISIONS IN THESE TOS ARE APPLICABLE TO THE EXTENT ALLOWED UNDER THE LAW.

U.S. Geographic Limitation

Informed Choice operates the Site from its headquarters in the United States, and the Site is intended only for users within the United States. If you use the Site outside the United States, you are responsible for following your applicable local laws and determining, among other things, whether your use of the Site violates any of those local laws. By using the Site, you agree and acknowledge that information about you, including personally identifiable information, may be transmitted to, processed in, and stored in the United States.

SITE PRIVACY POLICY

Your use of the Site is governed by the Site Privacy Policy located at https://www.vanguardhomewarranty.com/privacy-policy. The Site Privacy Policy is incorporated by reference into these TOS.

MISCELLANEOUS

You acknowledge that any opinions and/or recommendations contained on the Site are not necessarily those of Informed Choice nor endorsed by Informed Choice. ANY RELIANCE ON ANY OPINIONS OR RECOMMENDATIONS OFFERED ON THE SITE IS DONE AT YOUR OWN RISK.

Informed Choice does not guarantee or promise that any opinions and/or recommendations on the Site are accurate or will be helpful to any issue you may have.

You agree that Informed Choice is not liable to you or anyone else for any harm that might arise as a result of using and/or implementing in any manner any of the opinions or recommendations found on the Site.

Informed Choice is not responsible for any harm or damages of any kind that may occur to you due to any glitches, hacks, breaches or any other unauthorized access to Informed Choice's computer or network systems, including any Informed Choice hardware or devices, that may or may not result in the disclosure of your personal information you provided to us.

YOU AGREE THAT any and all disputes relating to these TOS, the Site, and/or any goods or services offered on or through the Site, are governed by, and will be interpreted in accordance with, the laws of California, without regard to any conflict of laws provisions.

You hereby irrevocably and unconditionally consent to submit to the exclusive jurisdiction of the state or federal courts of California (closest to Pleasanton, California, USA) for any litigation arising out of or relating to these TOS or the use of the Site.

YOU HEREBY IRREVOCABLY AND UNCONDITIONALLY CONSENT TO waive any objection to the venue of any such litigation in the state or federal courts of California (closest to Pleasanton, California, USA).

YOU HEREBY IRREVOCABLY AND UNCONDITIONALLY AGREE not to plead or claim in any California state or federal court (closest to San Ramon, California, USA) that such litigation brought therein has been brought in an inconvenient forum. YOU AGREE THAT Informed Choice will be irreparably injured if the provisions of this Agreement are breached by you and/or not specifically enforced.

YOU AGREE THAT if you commit or, in the belief of Informed Choice, threaten to commit, a breach of any of the provisions of this Agreement, Informed Choice and each of its subsidiaries shall have the right and remedy, in addition to any other remedy that may be available at law or in equity, to have the provisions of this Agreement specifically enforced by any court having equity jurisdiction, it being acknowledged and agreed that any such breach or threatened breach will cause irreparable injury to Informed Choice and its subsidiaries, and that money damages will not provide an adequate remedy therefore.

YOU AGREE THAT any such injunction/specific performance referenced in the previous paragraph shall be available without the posting of any bond or other security, and you hereby consent to the issuance of such injunction.

YOU AGREE THAT if this Agreement is breached by you, Informed Choice will be entitled to recover its legal fees and costs incurred in the enforcement of this Agreement.

If any part of these TOS is determined by a court of competent jurisdiction to be invalid or unenforceable, it will not impact any other provision of these TOS, all of which will remain in full force and effect.

These TOS constitute the entire agreement of the parties with respect to the Site and supersede all prior communications, promises and proposals, whether oral, written, or electronic, between you and Informed Choice, with respect to the Site.

These TOS constitute the entire agreement of the parties with respect to the Site and supersede all prior communications, promises and proposals, whether oral, written, or electronic, between you and Informed Choice, with respect to the Site.

Without limiting other remedies, we may limit your activity, issue a warning, temporarily suspend, indefinitely suspend, terminate your Site account and access to the Site, and/or refuse to sell any products from the Site to you or provide any Site services to you if, within our sole and independent judgment: (a) you breach, or we anticipate that you are about to breach, this Agreement or the documents it incorporates by reference; (b) we are unable to verify or authenticate any information you provide to us; (c) we believe, in our sole discretion, that your actions may cause financial loss or legal liability for you, our users, or us; or (d) for any other commercial reason or for no reason at all. We can also terminate this Agreement at any time, with or without cause.

The proprietary rights, disclaimer of warranties, representations made by you, indemnities, limitations of liability, and any other relevant language that is meant to remain in effect after this Agreement ends shall survive the termination of these TOS.

Informed Choice reserves the right, without notice and reason, to take down or terminate the Site or otherwise revoke any and all access granted to you related to the Site. We may, at our sole discretion, require additional information or forms of identification and may use these to determine any limitations that may be placed on your use of the Site. You agree that Informed Choice is not liable to you or any other third party for this action.

Informed Choice does not assume any liability or responsibility for your use of the Internet or the Site including, but not limited to, any change your computer or related systems may sustain as a result of accessing the Site. You are solely responsible for obtaining access to the Site and any fees associated with such access (e.g., airtime charges, ISP fees, other third party fees, etc.). In addition, you must provide, and you are responsible for, all equipment necessary to access the Site.

You are free to text link to the Site so long as there is nothing deceptive or infringing about the link. Informed Choice may revoke this linking permission at any time and for any reason.

Certain software elements of the Site and related Site services may be subject to U.S. export laws and controls. As such, no software may be downloaded or exported to any country or foreign citizen that is under a U.S. embargo or that would otherwise violate U.S. law or regulations.

You agree that you will not assist or participate in any such diversion or other violation of applicable laws and regulations as referenced in the previous paragraph.

YOU AGREE THAT you will not permit or license anyone not approved under applicable law or regulations to receive controlled commodities, and that none of the materials on the Site are being, or will be, shipped, transferred, or re-exported, directly or indirectly, to proscribed or embargoed countries or their nationals or otherwise used for proscribed activities.

This Agreement does not create an agency, joint venture, partnership, fiduciary relationship, or any similar relationship between the parties, and neither party has the right or authority to act for, or on behalf of, the other party.

Neither party shall be liable to the other for any delay or failure due to acts of God, war, transportation difficulties, labor strikes, natural disasters, riots, telecommunications or information services infrastructure failures, hacking, spam, any failure of a computer, server, or software, or acts or omissions of vendors or suppliers, beyond the control of the parties.

If you need to contact Informed Choice for any reason not already specified in these TOS, please use the following contact information:
Informed Choice
2803 Philadelphia Pike, Suite B #465, Claymont, DE 19703

EMAIL: [email protected]